Credibly requirements
Credibly’s published requirements, checked October 2026: a 500+ credit score, six or more months in business and at least $15,000 in monthly revenue.
These minimums come from Credibly’s public pages. Different products may carry different criteria; ask for the requirements of the specific product you want.
| Credibly | |
|---|---|
| How it works | Direct funder and partner marketplace |
| Minimum credit | 500+ |
| Time in business | 6+ months |
| Revenue | $15,000+ monthly revenue |
| Amounts | Up to $600,000 (lines of credit up to $300,000) |
| Speed | Approval as soon as 2 hours; funding as fast as 4 hours |
| Products | Working capital, MCA, line of credit, equipment, long-term loans, SBA (through partners) |
| States | Not published |
Sources: Credibly homepage, Trustpilot; checked October 2026. Credibly is a trademark of its owner; Merchant Fund Express is not affiliated.
A 500+ credit floor makes Credibly accessible to owners rebuilding credit. Expect the score to influence amount and cost, and keep recent statements clean so deposits carry the file.
Six months in business is a moderate history requirement. Businesses between three and six months may need to look elsewhere for now or wait a few months for a stronger file.
$15,000 in monthly revenue is a higher floor than some revenue-based providers publish. Businesses near the floor should expect smaller offers; those well above it will see offers shaped more by existing debt and credit.
Product-specific requirements vary. Equipment financing depends on the equipment; SBA options through partners follow SBA rules, which typically require more documentation and time.
Prepare complete bank statements, owner ID, business details and a list of current advances or loans. Disclosing every obligation prevents surprises after review.
If you plan to use the funds for a specific purpose, state it; it helps match the right product.
Illustrative self-check: a salon with nine months of history, a 520 score and $18,000 in monthly revenue meets Credibly’s published 500+, six-month and $15,000 floors. Product-specific requirements, such as SBA through partners, will be stricter.
Speed with complete files: Credibly says approval as soon as 2 hours and funding as fast as 4 hours, which assumes documents are ready and verified.
Owners near the $15,000 monthly floor should review the last three months of deposits, since a single weak month can change how the file is read.
If your revenue is below $15,000 a month or your business is under six months old, look at providers with lower floors. A marketplace application reaches multiple funders with different criteria; Merchant Fund Express starts at a 500 credit score.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from Credibly’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
500+.
Six or more months.
$15,000 or more per month.
They can; ask about the specific product.
Compare providers with lower floors; Merchant Fund Express starts at 500.
No; SBA and long-term loans are typically stricter.
Approval as soon as 2 hours; funding as fast as 4 hours.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
